Car insurance took so long paying my wife got a CCJ

Parking_Trouble

So industry practice is to forward everything to the insurer and potentially just stand by and let a default judgment against you come your way? You can't do anything because you might invalidate your policy?

One bullying insurer who knows you are covered and who your insurer is, taking you to court because your own insurer is incompetent.

Why doesn't the TP insurer take the OP insurer to court if they have a valid policy? Or will it rock the cosy cartel boat too much?

I wouldn't trust an insurer to tie up my shoelaces.

rs65

Parking_Trouble wrote: »

One bullying insurer who knows you are covered and who your insurer is, taking you to court because your own insurer is incompetent.

Why doesn't the TP insurer take the OP insurer to court if they have a valid policy? Or will it rock the cosy cartel boat too much?

On the first point, it can be incompetence but more likely a dispute over liability or quantum.

On the second point, that's a question for the court/legal system.

BertTheRaccoon

Parking_Trouble wrote: »

So industry practice is to forward everything to the insurer and potentially just stand by and let a default judgment against you come your way? You can't do anything because you might invalidate your policy?
.

No, pass the papers to your insurer but phone them every day until they confirm they have received them and have passed them to their solicitors.

Parking_Trouble wrote: »

One bullying insurer who knows you are covered and who your insurer is, taking you to court because your own insurer is incompetent.

Why doesn't the TP insurer take the OP insurer to court if they have a valid policy? Or will it rock the cosy cartel boat too much?

Insurers don't sue other parties, it is generally the non-fault party pursuing their own losses such as excess, hire charges, PI etc who commence the proceedings against the other motorist.

The insurers of the non-fault party either include their outlay in the proceedings by way of subrogated right, or they agree to keep their outlay out of the proceedings by agreeing Memorandum of Understanding with the third party insurer.

If there is a liability dispute, an insurer can't just claim their costs from another by suing the other insurer in name as negligence between the policyholders needs to be established first and that is why it is the drivers or vehicle owners/ policyholders who take the proceedings.

Parking_Trouble wrote: »

I wouldn't trust an insurer to tie up my shoelaces.

I agree, they are generally poorly run and under staffed by demoralised staff who live in fear of the day a brown envelope appears and their job has disappeared to Bangalore.